Florida Uber and rideshare collisions
When an Uber driver is involved in a collision, coverage can depend on whether the driver was offline, logged into the app and waiting for a request, traveling to pick up a rider, or carrying a passenger. The trip record and precise app times can therefore be as important as the crash report.
Claims we evaluate
The analysis begins with the people, vehicles, policies, and evidence connected to the collision.
What the case may require
Florida law separates the period when a driver is logged into a transportation network company’s digital network but has not accepted a ride from the period beginning with acceptance and continuing through the completed ride.
A driver’s personal policy may contain an exclusion for rideshare use. That makes the exact digital timeline and the TNC-maintained policy central to the investigation.
Trip records may establish route, timing, driver identity, vehicle, pickup, destination, and whether a passenger was in the vehicle. Communications, GPS data, safety reports, and platform records may further define the event.
Florida law requires a TNC, when properly requested in a coverage investigation, to provide precise driver log-on and log-off times for the relevant period around a crash.
The rideshare driver’s personal insurer, a TNC-maintained carrier, the adverse driver’s insurer, the injured person’s own UM/UIM carrier, and other household or commercial insurers may have relevant coverage positions.
The existence of a large TNC policy does not automatically answer who is covered, which policy period applies, or whether another policy is primary, excess, excluded, or available.
Evidence to preserve
Crash evidence and insurance records can disappear, change, or become harder to obtain.
Florida rideshare insurance law
Section 627.748, Florida Statutes, establishes different insurance requirements for a TNC driver who is logged in but has not accepted a ride and for a driver engaged in a prearranged ride.
The statute and policy terms must be read together. Fault, claimant status, the app period, available liability limits, and UM/UIM coverage can each affect the result.
Review the current Florida TNC statute, UM/UIM statute, and PIP statute as applicable.
Common questions
No automatic rule applies. The claim requires analysis of the driver’s fault, app status, applicable policies, Florida’s TNC statute, and any independent basis for responsibility.
Save the trip receipt, screenshots, driver and vehicle profile, messages, route, pickup and destination, incident report, photographs, witness information, and all claim communications.
The adverse driver’s liability coverage is important, but UM/UIM coverage and other policies may also require review if that driver is uninsured or inadequately insured.
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